Is retirement really just one long weekend—or a financial minefield in disguise? In this episode of The Retirement Journey, Kacey sits down with Edgar Torres of Bloom Financial to unpack five costly mistakes retirees often make: overspending, ignoring inflation, underestimating medical expenses, claiming Social Security too early, and retiring before they’re truly ready. With real-life examples and practical strategies, Edgar shares how to build guardrails that protect your future while enjoying today.

Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516

Is retirement really just one long weekend&mdash;or a financial minefield in disguise? In this episode of&nbsp;The Retirement Journey, Kacey sits down with Edgar Torres of Bloom Financial to unpack five costly mistakes retirees often make: overspending, ignoring inflation, underestimating medical expenses, claiming Social Security too early, and retiring before they&rsquo;re truly ready. With real-life examples and practical strategies, Edgar shares how to build guardrails that protect your future while enjoying today.
Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we&rsquo;re here to listen and help provide the support you need. Click <a href="https://bloomfinservices.com/contact/">here</a> to schedule appointment or call 512-710-5516

Welcome to ‘The Retirement Journey,’ featuring Edgar Torres of Bloom Financial Private Wealth Management!Join us each week as we dive into the wide world of financial planning. Saving and building for your future involves much more than tracking the bottom line of an account every month. With each episode, Edgar and co-host Kacey Biddy discuss current topics including daily finances, retirement planning, investment strategy, and building a lasting legacy. ‘The Retirement Journey’ is available wherever you find your favorite podcasts and is ready to keep you confident and informed about wherever your financial future is taking you.

Welcome to &lsquo;The Retirement Journey,&rsquo; featuring Edgar Torres of Bloom Financial Private Wealth Management! Join us each week as we dive into the wide world of financial planning. Saving and building for your future involves much more than tracking the bottom line of an account every month. With each episode, Edgar and co-host Kacey Biddy discuss current topics including daily finances, retirement planning, investment strategy, and building a lasting legacy. &lsquo;The Retirement Journey&rsquo; is available wherever you find your favorite podcasts and is ready to keep you confident and informed about wherever your financial future is taking you.

The Retirement Journey

Retirement Isn’t a Weekend—It’s a Wake-Up Call

Is your financial plan ready for the new year, or is it stuck in last season’s routine? In this episode, Edgar Torres of Bloom Financial shares practical steps for your year-end financial checklist, from reviewing goals and topping off contributions to smart tax moves and charitable giving. Discover how annual financial “winterizing” can help you avoid costly mistakes and set yourself up for success in 2026. With relatable food analogies and actionable advice, this conversation makes financial chores feel less daunting—and more rewarding.

 

Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516

Is your financial plan ready for the new year, or is it stuck in last season&rsquo;s routine? In this episode, Edgar Torres of Bloom Financial shares practical steps for your year-end financial checklist, from reviewing goals and topping off contributions to smart tax moves and charitable giving. Discover how annual financial &ldquo;winterizing&rdquo; can help you avoid costly mistakes and set yourself up for success in 2026. With relatable food analogies and actionable advice, this conversation makes financial chores feel less daunting&mdash;and more rewarding.
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Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we&rsquo;re here to listen and help provide the support you need. Click <a href="https://bloomfinservices.com/contact/">here</a> to schedule appointment or call 512-710-5516

Winterize Your Wallet: Year-End Moves for 2026 Success

Scrolling your phone at bedtime can age your brain—but what about the habits that age your retirement plan? In this episode, Edgar Torres of Bloom Financial breaks down the financial missteps that can sabotage your future, from waiting to save and missing company matches, to spending without a budget and underestimating retirement costs. Discover how everyday choices, like borrowing from your 401(k) or relying only on pre-tax accounts, can impact your nest egg. Packed with relatable analogies and practical insights, this conversation will help you spot—and stop—bad habits before they derail your retirement.

 

Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516

Scrolling your phone at bedtime can age your brain&mdash;but what about the habits that age your retirement plan? In this episode, Edgar Torres of Bloom Financial breaks down the financial missteps that can sabotage your future, from waiting to save and missing company matches, to spending without a budget and underestimating retirement costs. Discover how everyday choices, like borrowing from your 401(k) or relying only on pre-tax accounts, can impact your nest egg. Packed with relatable analogies and practical insights, this conversation will help you spot&mdash;and stop&mdash;bad habits before they derail your retirement.
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Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we&rsquo;re here to listen and help provide the support you need. Click <a href="https://bloomfinservices.com/contact/">here</a> to schedule appointment or call 512-710-5516

Are Your Habits Aging Your Retirement Plan?

Curious about structured notes and how they fit into your retirement plan? In this episode of The Retirement Journey Podcast, Edgar Torres breaks down the basics of structured notes—what they are, how they work, and why they might be worth considering. Learn how these customizable investments differ from stocks and bonds, what risks to watch for, and how to avoid common mistakes. Edgar shares practical examples and insights to help you decide if structured notes belong in your portfolio. If you’re seeking new ways to preserve wealth and add flexibility to your retirement strategy, this episode is packed with clarity and actionable ideas.

 

Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516

 

Curious about structured notes and how they fit into your retirement plan? In this episode of The Retirement Journey Podcast, Edgar Torres breaks down the basics of structured notes&mdash;what they are, how they work, and why they might be worth considering. Learn how these customizable investments differ from stocks and bonds, what risks to watch for, and how to avoid common mistakes. Edgar shares practical examples and insights to help you decide if structured notes belong in your portfolio. If you&rsquo;re seeking new ways to preserve wealth and add flexibility to your retirement strategy, this episode is packed with clarity and actionable ideas.
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Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we&rsquo;re here to listen and help provide the support you need. Click <a href="https://bloomfinservices.com/contact/">here</a> to schedule appointment or call 512-710-5516
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Retirement Isn’t a Weekend—It’s a Wake-Up Call

The Retirement Journey

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